SBI Multi Asset Allocation Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Multi Asset Allocation

Fund House : SBI Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 63.6154 0.58%
(as on 12th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 11306.23 Cr

(7.05% of Investment in Category)

Expense Ratio

: 1.41%

(1.85% Category average)

Risk-O-Meter

Very High Risk

Multi Asset Allocation :Multi Asset Allocation : The fund has 43.7% investment in domestic equities of which 18.88% is in Large Cap stocks, 4.96% is in Mid Cap stocks, 8.39% in Small Cap stocks.The fund has 38.65% investment in Debt, of which 9.64% in Government securities, 28.16% is in Low Risk securities.

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This Scheme

VS

45% BSE 500 TRI + 40% Crisil Composite Bond Fund Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver.

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NA
1.2%

7.12%

9.97%

13.88%

18.58%

17.85%

12.78%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 11th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	10049.00	0.49%	-	0.52%	18/31
1 Month	10-Oct-25	10136.00	1.36%	-	0.86%	9/31
3 Month	11-Aug-25	10725.10	7.25%	-	6.59%	12/29
6 Month	09-May-25	11226.10	12.26%	-	11.07%	10/27
YTD	01-Jan-25	11427.50	14.27%	-	12.98%	11/26
1 Year	11-Nov-24	11368.40	13.68%	13.68%	12.40%	9/24
2 Year	10-Nov-23	14057.30	40.57%	18.51%	18.38%	10/15
3 Year	11-Nov-22	16177.20	61.77%	17.37%	17.26%	5/8
5 Year	11-Nov-20	20311.30	103.11%	15.22%	17.77%	6/8
10 Year	10-Nov-15	29940.10	199.40%	11.58%	13.21%	3/6
Since Inception	21-Dec-05	63247.00	532.47%	9.71%	12.59%	35/43

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 11th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	11-Nov-24	12000	13268.39	10.57 %	20.06 %
2 Year	10-Nov-23	24000	28001.97	16.67 %	15.55 %
3 Year	11-Nov-22	36000	46421.16	28.95 %	17.19 %
5 Year	11-Nov-20	60000	88834.93	48.06 %	15.67 %
10 Year	10-Nov-15	120000	238610.36	98.84 %	13.17 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

Equity Holding : 43.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 43.70%

No of Stocks : 60 (Category Avg - 68.00) | Large Cap Investments : 18.88%| Mid Cap Investments : 4.96% | Small Cap Investments : 8.39% | Other : 11.47%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# HDFC Bank Ltd.	Private sector bank	2628.2	2.32%	0.00%	3.08% (May 2025)	1.69% (Jan 2025)	26.62 L	0.00
# Reliance Industries Ltd.	Refineries & marketing	2556.6	2.26%	0.00%	3.06% (May 2025)	0.81% (Nov 2024)	17.20 L	0.00
# PB Fintech Ltd.	Financial technology (fintech)	2182.7	1.93%	0.00%	1% (Jul 2025)	0% (Oct 2024)	12.23 L	7.00 L
# Gokaldas Exports Ltd.	Garments & apparels	1827.6	1.62%	0.00%	1.61% (Sep 2025)	0.45% (Mar 2025)	21.80 L	0.00
# Bandhan Bank Ltd.	Private sector bank	1800.4	1.59%	0.00%	1.59% (Jun 2025)	0.66% (Feb 2025)	1.15 Cr	40.00 L
# Fairchem Speciality Ltd.	Specialty chemicals	1775.2	1.57%	0.00%	1.65% (Jul 2025)	0% (Oct 2024)	6.11 L	0.00
# Indian Oil Corporation Ltd.	Refineries & marketing	1659	1.47%	0.00%	1.06% (May 2025)	0% (Oct 2024)	1.00 Cr	40.00 L
# Punjab National Bank	Public sector bank	1597.6	1.41%	0.00%	1.13% (Jan 2025)	0.56% (Jan 2025)	1.30 Cr	50.00 L
# ITC Limited	Diversified fmcg	1597.3	1.41%	0.00%	1.89% (May 2025)	0.95% (May 2025)	38.00 L	0.00
# Federal Bank Ltd.	Private sector bank	1538	1.36%	0.00%	1.39% (Jul 2025)	0% (Oct 2024)	65.00 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 43 (Category Avg - 17.77) | Modified Duration 2.72 Years (Category Avg - 2.75)| Yield to Maturity 7.27% (Category Avg - 6.52%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	9.64%	7.12%
CD	1.71%	0.81%
T-Bills	0.00%	0.72%
CP	0.00%	0.48%
NCD & Bonds	27.30%	8.20%
PTC	0.00%	0.09%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	9.64%	7.84%
Low Risk	28.16%	9.40%
Moderate Risk	0.85%	0.10%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
MF Units	MF Units	6.25%
MF Units	MF Units	3.40%
TREPS	TREPS	2.44%
Brookfield India Real Estate Trust	InvITs	2.33%
Embassy Office Parks Reit	InvITs	1.86%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

6.79vs8.09

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.83vs1.03

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.59vs1.35

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.13vs0.12

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

5.97vs5.29

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Multi Asset Allocation Fund - Regular Plan - Growth	NA	4985.07	2.02	10.04	13.07	18.87	0.00
Union Multi Asset Allocation Fund - Regular Plan - Growth	NA	808.16	0.70	9.08	11.29	17.89	0.00
Mahindra Manulife Multi Asset Allocation Fund - Regular Plan - Growth	NA	764.15	1.37	9.76	12.69	17.85	0.00
Sundaram Multi Asset Allocation Fund - Regular Plan - Growth	NA	2925.07	1.59	7.93	8.92	17.79	0.00
Nippon India Multi Asset Allocation Fund - Growth	NA	8722.27	1.40	8.07	12.41	17.52	19.86
WhiteOak Capital Multi Asset Allocation Fund - Regular Plan - Growth	NA	4530.34	1.22	5.66	8.81	17.34	0.00
Kotak Multi Asset Allocation Fund - Regular Plan - Growth	NA	9429.18	0.23	10.94	15.68	15.64	0.00
Mirae Asset Multi Asset Allocation Fund - Regular Plan - Growth	NA	2514.99	1.89	6.80	9.56	15.53	0.00
ICICI Prudential Multi-Asset Fund - Growth	3	71900.48	1.37	6.87	8.15	15.16	19.29
Aditya Birla Sun Life Multi Asset Allocation Fund - Regular Plan - Growth	NA	4973.93	0.66	7.22	9.54	15.06	0.00

Detailed Comparison

More Funds from SBI Mutual Fund

Out of 139 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 7 is/are ranked 4 * , 9 is/are ranked 3 * , 8 is/are ranked 2 * , 9 is/are ranked 1 * , and 102 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Nifty 50 ETF	4	212190.55	1.77	4.80	8.05	7.73	13.09
SBI Nifty 50 ETF	4	212190.55	1.77	4.80	8.05	7.73	13.09
SBI BSE Sensex ETF	5	123001.46	1.83	4.37	6.63	6.74	12.03
SBI BSE Sensex ETF	5	123001.46	1.83	4.37	6.63	6.74	12.03
SBI Equity Hybrid Fund - Regular Plan - Growth	4	81951.86	0.81	3.86	7.66	12.85	13.99
SBI Liquid Fund - Regular Plan - Growth	3	71091.78	0.48	1.42	2.97	6.56	6.91
SBI Large Cap Fund - Regular Plan - Growth	3	54687.99	1.44	4.13	7.65	5.66	13.66
SBI Contra Fund - Regular Plan - Growth	3	49218.42	2.12	4.75	7.58	2.77	19.69
SBI Focused Fund - Regular Plan - Growth	4	40823.77	3.33	7.36	12.05	11.74	16.54
SBI Arbitrage Opportunities Fund - Regular Plan - Growth	4	39858.59	0.53	1.29	2.92	6.47	7.25